Intelligent processing of broken or failed ATM transactions

Abstract

Aspects of the disclosure relate to intelligent processing of broken or failed ATM transactions. In some embodiments, a computing platform may receive transaction data associated with a pending transaction initiated on a mobile computing device and generate hash information corresponding to the received transaction data. Then, the computing platform may identify ATMs previously visited by the user. Based on performing analytics on those previously visited ATMs, the computing platform may identify, from those previously visited ATMs, one or more alternate ATMs for completing the pending transaction. Next, the computing platform may send a notification to the mobile computing device that includes navigation information. Thereafter, the computing platform may cause the alternate ATMs to await input from the user by sending the generated hash information. In response to receiving a message indicating completion of the pending transaction, the computing platform may initiate clearing of a pending status of the pending transaction.

What is claimed is: 
     
       1. A computing platform, comprising:
 at least one processor; 
 a communication interface communicatively coupled to the at least one processor; and 
 memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 receive, via the communication interface, from a mobile computing device, transaction data associated with a pending transaction initiated by a user on the mobile computing device and hash information corresponding to biometric data of the user and stored on the mobile computing device; 
 generate hash information corresponding to the transaction data received from the mobile computing device; 
 identify, based on geolocation data of the mobile computing device, one or more previously visited automated teller machines (ATMs) that are within a predetermined geographical location of the mobile computing device and which were visited by the user prior to the user initiating the pending transaction on the mobile computing device; 
 initiate interrogation requests on the one or more previously visited ATMs to assess operational status of the one or more previously visited ATMs; 
 based on received responses to the interrogation requests initiated on the one or more previously visited ATMs, identify, from the one or more previously visited ATMs, one or more alternate ATMs for completing the pending transaction; 
 generate navigation information corresponding to the one or more alternate ATMs; 
 send, via the communication interface, to the mobile computing device, a notification that includes the navigation information; 
 send, via the communication interface, to the one or more alternate ATMs, the hash information corresponding to the transaction data received from the mobile computing device and the hash information corresponding to the biometric data of the user received from the mobile computing device, wherein sending the hash information causes the one or more alternate ATMs to await input from the user; 
 receive, from a biometric sensor at an alternate ATM of the one or more alternate ATMs, biometric data of the user; 
 generate a dynamic hash of the biometric data of the user received from the biometric sensor; 
 compare the generated hash of the biometric data of the user received from the biometric sensor to the hash of the information corresponding to the biometric data of the user received from the mobile computing device to authenticate the user; 
 responsive to authenticating the user based on the comparing, provide, via the alternate ATM of the one or more alternate ATMs, access to the pending transaction; 
 receive, via the communication interface, from the alternate ATM of the one or more alternate ATMs, a message indicating completion of the pending transaction at the alternate ATM of the one or more alternate ATMs; and 
 in response to receiving the message indicating completion of the pending transaction, clearing a cache of the alternate ATM of the one or more alternate ATMs. 
 
 
     
     
       2. The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 receive, via the communication interface, from the mobile computing device, an indication of an issue with the one or more alternate ATMs identified for completing the pending transaction; 
 in response to receiving the indication of the issue with the one or more alternate ATMs identified for completing the pending transaction, perform analytics on the one or more alternate ATMs for which the indication of the issue is received; 
 based on performing analytics on the one or more alternate ATMs for which the indication of the issue is received, identify one or more different alternate ATMs for completing the pending transaction; and 
 generate and send, via the communication interface, to the mobile computing device, the notification comprising navigation information corresponding to the one or more different alternate ATMs for completing the pending transaction. 
 
     
     
       3. The computing platform of  claim 2 , wherein the issue with the one or more alternate ATMs comprises an unavailability of the one or more alternate ATMs to conduct a cash transaction. 
     
     
       4. The computing platform of  claim 1 , wherein initiating interrogation requests on the one or more previously visited ATMs further includes; receiving data relating to currency stocking levels. 
     
     
       5. The computing platform of  claim 1 , wherein sending the notification causes the mobile computing device to display the navigation information. 
     
     
       6. The computing platform of  claim 1 , wherein the navigation information includes one or more of: a list of addresses, a map segment, and traveling directions corresponding to the one or more alternate ATMs. 
     
     
       7. The computing platform of  claim 1 , wherein receiving biometric data of the user comprises receiving one or more of: a fingerprint, a face geometry, a hand geometry, a retinal characteristic, an iris characteristic, and a voice print. 
     
     
       8. The computing platform of  claim 1 , wherein authenticating the user causes the one or more alternate ATMs to:
 upon completion of the pending transaction, generate and send a message indicating completion of the pending transaction at the one or more alternate ATMs. 
 
     
     
       9. The computing platform of  claim 1 , wherein the mobile computing device communicates with the one or more alternate ATMs using a near field communication protocol. 
     
     
       10. The computing platform of  claim 1 , wherein the one or more alternate ATMs comprise third party ATMs. 
     
     
       11. The computing platform of  claim 1 , wherein clearing the cache of the alternate ATM further comprises updating one or more databases. 
     
     
       12. The computing platform of  claim 1 , wherein initiating interrogation requests on the one or more previously visited ATMs comprises initiating interrogation requests on a cluster of previously visited ATMs visited by the user within a predetermined period of time. 
     
     
       13. A method, comprising:
 at a computing platform comprising at least one processor, a communication interface, and memory:
 receiving, by the at least one processor, via the communication interface, from a mobile computing device, transaction data associated with a pending transaction initiated by a user on the mobile computing device and hash information corresponding to biometric data of the user and stored on the mobile computing device; 
 generating, by the at least one processor, hash information corresponding to the transaction data received from the mobile computing device; 
 identifying, by the at least one processor and based on geolocation data of the mobile computing device, one or more previously visited ATMs that are within a predetermined geographical location of the mobile computing device and which were visited by the user prior to the user initiating the pending transaction on the mobile computing device; 
 initiating, by the at least one processor, interrogation requests on the one or more previously visited ATMs to assess operational status of the one or more previously visited ATMs; 
 based on received responses to the interrogation requests initiated on the one or more previously visited ATMs, identifying, by the at least one processor, from the one or more previously visited ATMs, one or more alternate ATMs for completing the pending transaction; 
 generating, by the at least one processor, navigation information corresponding to the one or more alternate ATMs; 
 sending, by the at least one processor, via the communication interface, to the mobile computing device, a notification that includes the navigation information; 
 sending, by the at least one processor, via the communication interface, to the one or more alternate ATMs, the hash information corresponding to the transaction data received from the mobile computing device and the hash information corresponding to the biometric data of the user received from the mobile computing device, wherein sending the hash information causes the one or more alternate ATMs to await input from the user; 
 receiving, by the at least one processor and from a biometric sensor at an alternate ATM of the one or more alternate ATMs, biometric data of the user; 
 generating, by the at least one processor, a dynamic hash of the biometric data of the user received from the biometric sensor; 
 comparing, by the at least one processor, the generated hash of the biometric data of the user received from the biometric sensor to the hash of the information corresponding to the biometric data of the user received from the mobile computing device to authenticate the user; 
 responsive to authenticating the user based on the comparing, providing, by the at least one processor and via the alternate ATM of the one or more alternate ATMs, access to the pending transaction; 
 receiving, by the at least one processor, via the communication interface, from the alternate ATM of the one or more alternate ATMs, a message indicating completion of the pending transaction at the alternate ATM of the one or more alternate ATMs; and 
 in response to receiving the message indicating completion of the pending transaction, clearing, by the at least one processor, a cache of the alternate ATM of the one or more alternate ATMs. 
 
 
     
     
       14. One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, a communication interface, and memory, cause the computing platform to:
 receive, via the communication interface, from a mobile computing device, transaction data associated with a pending transaction initiated by a user on the mobile computing device and hash information corresponding to biometric data of the user and stored on the mobile computing device; 
 generate hash information corresponding to the transaction data received from the mobile computing device; 
 identify, based on geolocation data of the mobile computing device, one or more previously visited ATMs that are within a predetermined geographical location of the mobile computing device and which were visited by the user prior to the user initiating the pending transaction on the mobile computing device; 
 initiate interrogation requests on the one or more previously visited ATMs to assess operational status of the one or more previously visited ATMs; 
 based on received responses to the interrogation requests initiated on the one or more previously visited ATMs, identify, from the one or more previously visited ATMs, one or more alternate ATMs for completing the pending transaction; 
 generate navigation information corresponding to the one or more alternate ATMs; 
 send, via the communication interface, to the mobile computing device, a notification that includes the navigation information; 
 send, via the communication interface, to the one or more alternate ATMs, the hash information corresponding to the transaction data received from the mobile computing device and the hash information corresponding to the biometric data of the user received from the mobile computing device, wherein sending the hash information causes the one or more alternate ATMs to await input from the user; 
 receive, from a biometric sensor at an alternate ATM of the one or more alternate ATMs, biometric data of the user; 
 generate a dynamic hash of the biometric data of the user received from the biometric sensor; 
 compare the generated hash of the biometric data of the user received from the biometric sensor to the hash of the information corresponding to the biometric data of the user received from the mobile computing device to authenticate the user; 
 responsive to authenticating the user based on the comparing, provide, via the alternate ATM of the one or more alternate ATMs, access to the pending transaction; 
 receive, via the communication interface, from the alternate ATM of the one or more alternate ATMs, a message indicating completion of the pending transaction at the alternate ATM of the one or more alternate ATMs; and 
 in response to receiving the message indicating completion of the pending transaction, clear a cache of the alternate ATM of the one or more alternate ATMs.